
Know Your Money with Bronwyn Waner and Craig Finch
188. Saving Money Is A Habit You Can Learn
Send us Fan Mail Saving money is not a personality trait, it is a skill you can build, and we get honest about why so many of us struggle to start. We are Bronwin Wayner and Craig Finch from Growth Financial Planning, and we work through a practical, human look at saving that goes beyond spreadsheets. If you have ever told yourself “I’ll save when I’m older” or “I just can’t save”, this conversation is for you. We unpack the three types of savers and how people can shift between them as life changes. From lifestyle spending to the short-lived thrill of a flashy purchase, we talk about what actually drives decisions, and why the psychology of money matters as much as the maths. We also explore a key wealth-building idea: a higher saving rate can outweigh a higher investment return, which is a relief if you are tired of feeling behind or overwhelmed by market noise. We then move into what support looks like in the real world: using the right long-term tools, understanding a tax-free savings account properly, and having a financial plan that covers both goals and the “what ifs” like health shocks or income disruption. If you want to build better money habits, improve your budgeting, and grow your retirement savings in South Africa with less stress, press play and start where you are. Subscribe, share with someone who needs the nudge, and leave a review with the money habit you are working on right now. Support the show Please subscribe to our podcast or have a look at our website www.growthfp.co.za

